Private healthcare

@tangey everything you say is completely reasonable. I don't disagree that as things stand if you can afford insurance or makes sense.

But I would love to see a position where no one needed private health care.

A situation achievable if all the money spent on private healthcare and insurance was ringfenced for the NHS.
 
Had a CT scan yesterday all done through AXA after my initial appointment last week. I am thoroughly impressed by the service and i think ill be adding on family members going forward.

Alternatively i had a letter from the NHS yesterday for an appointment with ENT, its been that long i honestly cant even remember what the original issue was.
 
I don't really like having it (work perk) but as someone who's bile duct blocked on Sunday, im very glad I have it. Having spent 14 hours in AE on Sunday and 16 hours yesterday, I'm going to be pretty appreciative about it shortly given its a 12 month waiting list on the NHS for surgery.
 
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Chrisc said:
Jesus christ thats a lot!
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Thats what i thought, for 2023-2024 it was a premium of £4,568, so I paid the tax on that.

Rotty said:
all I can think is that his employer is not contributing
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They pay the lot, I pay the tax on it, 23-24 £4,568, So I paid the tax on £
Rotty said:
all company schemes i have been in are "pre existing conditions disregarded"
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Yep, all pre existing conditions disregarded
 
Richard - London said:
Thats what i thought, for 2023-2024 it was a premium of £4,568, so I paid the tax on that.



They pay the lot, I pay the tax on it, 23-24 £4,568, So I paid the tax on £


Yep, all pre existing conditions disregarded
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you should be paying tax on about 2k IMO for 2 of you

Age generally doesn't matter on company schemes
 
None medical.

Ultrasound results in and I have cholecystitis and antibiotics that a gorilla would struggle with. I won't criticise the NHS, I've been in AE over 30 hours, over two days and a scan appointment that took 5 hours.

The good news is Bupa kicks in from this point and had I been able to endure the utter torture of a blocked bile duct until next Wednesday, I probably wouldn't have even seen any of AE.

They have to fix/fund social care, it's crazy that AE are having to deal with vulnerable people because there's no longer a system in place to help them.

I remember 10 years ago AE would have peak times but it would tail off, eventually empty but it's relentless. I was here 16 hours yesterday and it was never anything less than 90% full. I saw 3 shift changes and the poor guys just look bust when it's done.
 
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company pays £80 pcm, which I pay the tax on.. so £16 pcm.

I know I can add partners and families onto it but it gets well expensive.. I don’t have anyone that I need to add to it at the moment.
 
slinxy said:
company pays £80 pcm, which I pay the tax on.. so £16 pcm.

I know I can add partners and families onto it but it gets well expensive.. I don’t have anyone that I need to add to it at the moment.
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:( :(

That's one of the saddest things I've ever read.

One day you'll meet someone, one day.
 
I love the NHS. My daughter has serious medical issues from birth and would 100% have died many years ago without their care - she's had treatment that would total a million if not more without it (in the states, many millions).

I don't want private healthcare to replace it, and at the same time I have private healthcare. I've just had knee surgery with it and the experience was amazing. From being scanned to going under the knife took a couple of months.

I tried via the NHS first, but they couldn't be arsed. They offered no scan, misdiagnosed the problem completely, and told me to take paracetamol and do a few useless physio exercises that made the problem worse because of the misdiagnosis.

If you have private healthcare via work, you should absolutely hold onto it. It's good to have a back up for when you get nowhere with free healthcare.
 
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Rotty said:
all company schemes i have been in are "pre existing conditions disregarded"
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Same + there's the bonus with some providers that if you leave the company and go somewhere that doesn't offer it or are contracting say then you can carry on the same policy (obvs paying the premiums yourself) - it can mean someone with pre-existing conditions gets a very good deal.
 
Hodders said:
The scary bit is that their motivation is to deny your claims and charge more than the risk.
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That's how all insurance works. :confused:
Hodders said:
NHS spending in 22/23 was £180 billion (gov.uk). Private healthcare spending both insured and self-pay was £46 billion (statista.com). Imagine what the NHS could do with a budget increased by £46 billion per year - that's a 25% increase.
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It could pay for a lot more managers. /s
Hodders said:
Private healthcare is wrong - the fact it is needed represents a total failure in public health policy.

Full disclosure - yes I have used private healthcare - I had an inguinal hernia back between Covid lockdowns. The choice was waiting 18 months with NHS or self-pay £2500 and get it fixed in 6 weeks. Sure Covid made the situation worse, but I was lucky to be able to pay.
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If private healthcare is so wrong, why did you use it?
LOAM said:
I don't really like having it (work perk) but as someone who's bile duct blocked on Sunday, im very glad I have it. Having spent 14 hours in AE on Sunday and 16 hours yesterday, I'm going to be pretty appreciative about it shortly given its a 12 month waiting list on the NHS for surgery.
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What do you mean by, "I don't really like having it"? You don't have to have it if you don't want to. Simply opt out.
Hellsmk2 said:
I love the NHS. My daughter has serious medical issues from birth and would 100% have died many years ago without their care - she's had treatment that would total a million if not more without it (in the states, many millions).
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If you had good health insurance in the USA, your health insurance company would have most likely paid for the millions of dollars of care that your daughter would have needed, just like they do every day here.
Hellsmk2 said:
I don't want private healthcare to replace it, and at the same time I have private healthcare. I've just had knee surgery with it and the experience was amazing. From being scanned to going under the knife took a couple of months.

I tried via the NHS first, but they couldn't be arsed. They offered no scan, misdiagnosed the problem completely, and told me to take paracetamol and do a few useless physio exercises that made the problem worse because of the misdiagnosis.

If you have private healthcare via work, you should absolutely hold onto it. It's good to have a back up for when you get nowhere with free healthcare.
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It sounds like the NHS isn't working when your providers couldn't be bothered to help you. If that's the case, why would you still want the NHS?
 
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